9892 SW 95TH PLACE, GAINESVILLE, FL, 32608
Active9 days on marketListed Jul 21, 2026MLS #GC542132
About this home
9892 SW 95TH PLACE
Rare Full-Acre Lot in Hammock Ridge — Move-In Ready with No Carpet, Flex Office & 2-Car Garage. Welcome to this beautifully maintained 4-bedroom, 2-bath home offering one of the most sought-after features in SW Gainesville: a full acre lot. Tucked into the desirable Hammock Ridge community, this 2004-built home spans approximately 1,703 sq. ft. and pairs everyday comfort with real flexibility. A dedicated office with a built-in Murphy bed and custom cabinetry means this room works as a home office today and a guest suite tomorrow. The kitchen is outfitted with a full stainless steel appliance package — refrigerator, glass-top range, microwave, and dishwasher — and hard-surface flooring runs throughout the entire home, with zero carpet to replace or clean. Both bathrooms feature double-sink vanities, and a separate laundry room. Outside, the acre lot gives you room to garden, play, or simply spread out — a rare find in SW Gainesville. A 2-car garage adds everyday convenience, and residents enjoy access to the neighborhood playground. The home is zoned for Archer Elementary, Oak View Middle, and Newberry High.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,703
Sqft
1 ac
Lot size
2
Garage
2004
Year built
One
Levels
$226
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,195 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,195/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+8.1%
$/sqft vs Gainesville actives
$226 vs $198
Days on market
9 vs 36 typical
Where $226/sqft sits among the 400 Gainesville actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hammock Ridge
Get to know Gainesville. See the full Gainesville guide →
Hammock Ridge — neighborhood snapshot
Population
734
Median age
54
Median income
$90,168
Median home value
$261,400
Avg household
2
Households w/ children
26%
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gainesville market
$320K → $312K
Gainesville median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
174 of 400
Gainesville actives have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% above the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 9892 SW 95TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$430,000
9640 SW 102ND TERRACE · same community
3 bd · 2 ba · 1,666 sqft · $258/sqft · 5 DOM
Sold · Mar ’26$334,900
7909 SW 87TH TERRACE
3 bd · 2 ba · 1,706 sqft · $196/sqft · 4 DOM
Sold · Apr ’26$348,900
8801 SW 79TH AVENUE
3 bd · 2 ba · 1,724 sqft · $202/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9892 SW 95TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9892 SW 95TH PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
9892 SW 95TH PLACE FAQs
What would the monthly payment be for 9892 SW 95TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,195/mo — principal and interest, the actual property-tax bill, the $38/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 9892 SW 95TH PLACE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9892 SW 95TH PLACE?+
The most recent tax bill on record (2025) was $6,725. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9892 SW 95TH PLACE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Gainesville?+
At $385,000, this home is listed about 30% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9892 SW 95TH PLACE?+
Archer Elementary (elementary), Oak View Middle School (middle), Newberry High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CORNERSTONE REALTY & MANAGEMENT SERVICES LLC · Jamie Williams. MLS #GC542132.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Gainesville homes, in your inbox
Like 9892 SW 95TH PLACE but not quite? A daily digest of every new listing in Gainesville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →